All internet stuff (including Navy Fed and USAA) turns you into a "lead" and when you are a lead, it really doesn't matter if you are treated incredibly well, because there are always other "leads" inbound.  

Even since the Fed announced they were raising rates...we have actually seen mortgage rates fall.

Next time you get a chance, take the exterior pics during spring or early summer when the grass is green and all the trees have leaves.  

What is fishy is his credit. it's f***ed up!

You can find them by driving around and finding them(look for a lockbox on the door but no sign in the yard, tall grass, no window coverings, piled up newspapers, etc.)Once you find the properties, then you have to mail a letter to the owner of that property.

You should be able to find some type of meter that would measure at least the electricity being fed to the "accessory structure", which would take away any questions of who is using what.

They do not want to turn performing assets into non-performing ones, it drastically cuts down on what they can borrow from the Fed and lend out.

Doors get punched a lot when people rent, your going to replace some of those, you will spend a lot of time in Lowes or Home Depot.Spruce up your outside property with new paint on a fence, plant perrennial flowers, and replace bad grass with sod and water water water.

[i]"Fed Extends Rules to Small Lenders:The Fed shocked bankers by approving a proposal that would force even the smallest lenders to comply with international bank-capital standards known as Basel III."

I screwed up on this a few times and had mechanics liens filed for multiple properties until I got fed up and made it a part of the system.